As a parent, should I purchase a Student insurance plan for my child, or cover them through my standard medical plan?

An informed answer depends on several factors. You may want to consider a separate Student plan for your child if one or more of the following apply to you:

1. The HMO or PPO network for your insurance plan does not have physician or hospital coverage in the area around your child's college.
   
   
2. Your child is nearing the age at which he or she can no longer be covered under your plan. Often times this is around 26 years of age, but you should check with your insurance company to find out the specific age limits for your current policy.
   
   
3. The cost savings of removing your child from your insurance plan is greater than the cost of the separate Student insurance plan. To determine if this is the case, get a quote on this website for a Student plan for your child, and then compare that to the cost savings of removing your child from your standard medical plan (you may need to contact your insurance company to determine this amount).
   
   

On the other hand, a separate Student plan may not be appropriate if:

You are currently satisfied with the coverage, cost, and benefits of your current medical plan.